LTV · monthly repayment
▼ 0.50% · 3.625%
HK$105,851
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,143
−HK$3,345/mo
Today · 4.125%
HK$112,488
baseline
▲ 0.50% · 4.625%
HK$119,333
+HK$6,845/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,976/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,758
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,916
−HK$3,204/mo
Today · 4.125%
HK$124,120
baseline
▲ 0.50% · 4.625%
HK$130,662
+HK$6,542/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,240/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,021
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,972
−HK$4,014/mo
Today · 4.125%
HK$134,986
baseline
▲ 0.50% · 4.625%
HK$143,200
+HK$8,214/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$269,972/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,309
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$145,099
−HK$3,845/mo
Today · 4.125%
HK$148,944
baseline
▲ 0.50% · 4.625%
HK$156,795
+HK$7,851/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$297,888/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,191
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,800
−HK$4,684/mo
Today · 4.125%
HK$157,484
baseline
▲ 0.50% · 4.625%
HK$167,066
+HK$9,582/mo
Deposit HK$13.93M · loan HK$32.49M · min. income ≈ HK$314,968/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,861
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,282
−HK$4,486/mo
Today · 4.125%
HK$173,768
baseline
▲ 0.50% · 4.625%
HK$182,927
+HK$9,159/mo
Deposit HK$13.93M · loan HK$32.49M · min. income ≈ HK$347,536/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,531
−HK$11,948/mo
▼ 0.25% · 3.875%
HK$196,458
−HK$6,021/mo
Today · 4.125%
HK$202,479
baseline
▲ 0.50% · 4.625%
HK$214,799
+HK$12,320/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$404,958/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,964
−HK$11,452/mo
▼ 0.25% · 3.875%
HK$217,649
−HK$5,767/mo
Today · 4.125%
HK$223,416
baseline
▲ 0.50% · 4.625%
HK$235,192
+HK$11,776/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$446,832/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,870 · Scale 2, in force from 26 Feb 2026)